I have two different RCI account numbers: the one associated with my Wyndham ownership which cost me nothing and the other for the resorts I own at that are in the RCI exchange system. They are two different types of accounts.
The fee she is speaking of is for people who own at resorts in the RCI system not Wyndham owners. It is the fee to keep your week or points at the resort you own at in the RCI exchange system if you wish to go to any other resort or even your own resort at any other time than your deeded week. If you never intended to do anything else but use your week at your resort it wouldn't be necessary to pay the yearly fee to stay in the RCI exchange system.
If you pay for more than one year the fee is reduced and the current prices are $124 for one year, $229 if you renew for two years and $321 for renewing for three years. If it goes up you won't have to pay the higher rate until the next time you renew. I own at two resorts in the RCI system: Discovery Beach Resort in Cocoa Beach, Florida and Grandview Las Vegas. You only pay the one annual fee no matter how many resorts you own at in the RCI exchange system and of course your maintenance fees which you pay directly to your resort.